Mortgage Calculator
Not "what's my payment" — what happens if you pay extra, use an offset account, or refinance. See the real impact on your payoff date and total interest.
Your current mortgage — starting today
Tip: Switching to fortnightly payments effectively adds one extra monthly repayment per year. For your loan, that's worth approximately $0 in interest and 0 months off your payoff date — with no extra payments and no offset.
Extra repayments
Common in Australia, available at some NZ/UK lenders, not available in the US. Interest is calculated on your balance minus this offset amount. Assumes this balance stays the same for the rest of your loan — adjust the figure to model different scenarios.
Enter your mortgage details above to see your results.
Add extra repayments or an offset to see your savings
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Originally payoff
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With your changes
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This forecast assumes your current interest rate stays the same for your entire remaining loan term. In reality, your rate will likely change — fixed-rate periods in Australia/NZ typically run 1-5 years before reverting to a variable rate, and variable rates can change at any time. Use this as a guide to see the impact of extra repayments, not as a guaranteed payoff date.
What if you refinanced?
This is "the math if" — you enter a rate to explore, and we do the arithmetic. It's not a search for real available rates or lenders (that's what the AI tool below will do).
Typical Australian discharge/application fees — edit to match your own quote.
Want to know what refinance deals are actually available to you?
The math above is free — and it always will be. What it can't do is tell you which lenders will actually approve you, at what real rate, today. Our upcoming Refinance Advisor AI will search current rates and lenders matching your situation and hand you a shortlist, so you don't have to spend an afternoon comparing five bank websites yourself.
No affiliate links, no product steering — just an honest, personalized plan.